Can rural self-built houses be loaned?

A rural self-built house can apply for a loan, as long as the lender is an adult with full civil capacity, has the ability to repay the loan, and has no record of dishonesty, and the mortgaged property for the loan belongs to the property that can be mortgaged according to the law.

Legal basis

Article 395 of the Civil Code

The following properties that the debtor or a third party has the right to dispose of can be mortgaged:

(1) Buildings and other land attachments;

(2) the right to use construction land;

(3) the right to use the sea area;

(4) production equipment, raw materials, semi-finished products and products;

(5) Buildings, ships and aircraft under construction;

(6) means of transportation;

(7) other properties not prohibited by laws and administrative regulations.

the mortgagor may mortgage the property listed in the preceding paragraph together.

Tips

The above answers are only made for the current information combined with my understanding of the law. Please refer to them carefully!

if you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail. Can I borrow money to build a house in rural areas?

Rural self-built houses can also take the form of loans. There are certain requirements for this. First of all, rural housing loans are loans for individual industrial and commercial households within the county and natural persons with full civil capacity to build houses. Moreover, certain conditions must be met, and the borrower should be a domestic resident with full capacity for civil conduct at the age of 18-6, and his domicile or production and business premises should be within the service area of the Association. At the same time, the following conditions must be met:

1. The house that the borrower applies for a loan to build must be approved by the local village and town construction department and conform to the local development plan.

ii. the borrower shall provide the approval documents or certification materials from the rural construction department.

3. The borrower must have a proportion of its own funds not less than the specified amount, have a strong sense of credit, have a good credit standing, and have the ability to repay the principal and interest of the loan on time.

iv. the borrower can provide an individual or unit with sufficient compensation capacity as a loan guarantee, or can use effective assets as collateral.

5. The borrower shall open a personal settlement account in the loan credit cooperative (department) and voluntarily accept the credit supervision and settlement supervision.

in addition to meeting the above conditions, there are certain requirements for loan amount and loan term, both of which can be determined according to one's own economic level and income source. Can rural self-built houses be loaned?

In rural areas of our country, many houses are self-built multi-storey buildings, which are usually called rural self-built houses, but it will bring great economic pressure to many rural residents if they want to build such houses. So can rural self-built houses be loaned? The following article will introduce them to you.

Can rural self-built houses be loaned?

Yes, but the loans for rural self-built houses are mainly housing loans. If you want to apply for bank mortgage loans, you must have a house property certificate, and the bank will also inspect the house according to its service life, geographical location and other values.

What are the requirements for applying for loans for rural housing construction

1. To apply for housing loans, it needs to be approved by local township builders, which belongs to residential land and conforms to the local development plan.

2. Applicants for rural housing loans need to provide the approval documents or certification materials of local township construction departments.

3. The lender has a good credit record and has certain ability to repay the loan principal and interest on schedule.

4. The lender applying for building needs a unit or individual with sufficient repayment ability as a guarantee, or can use other assets as collateral.

5. The applicant for housing loan should open a personal settlement account in the rural credit cooperative where the loan is made, and he needs to voluntarily accept the credit supervision and settlement supervision of the bank.

information to be provided when applying for rural housing loan

1. ID card, household registration book, marriage certificate or divorce certificate of the self-built lender and his family members.

2. documents that can prove the purpose of the self-built house loan.

3. The relevant information of the loan guarantor and relevant certification materials, or the property right certificate of the mortgaged goods.

4. Other materials specified by local rural credit cooperatives.

loan amount for self-built houses in rural areas

The loan amount for self-built houses in rural areas is mainly determined according to the lender's economic conditions, credit rating and income level, and usually does not exceed 5% of the total value of self-built houses.

The above is the introduction about whether rural self-built houses can be loaned. I hope that rural residents can provide some help when building houses, so as to alleviate their economic pressure to some extent.